Obviously it still is for you. You don’t understand interest and compounding. Please read up on it a little.

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SS is not invested in anything. There is no interest, there is no compounding. That is the problem. Our money was taken by the gov’t & pissed away & if any of us see it, then we’re d*mned lucky. At this point FedGov is bankrupt & can’t afford to pay us. And if we don’t want to see the total economic collapse of this country, then we’re going to have to do something drastic. Which probably means letting those with pensions from other sources forego the promised SS payout.